Call reports 2013
TIOGA-FRANKLIN SAVINGS BANK — 2013
What TIOGA-FRANKLIN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 33,513,000 | 33,913,000 | 34,249,000 | 33,760,000 |
| Total loans | 26,285,000 | 26,893,000 | 26,147,000 | 26,152,000 |
| Allowance for loan losses | 626,000 | 668,000 | 700,000 | 740,000 |
| Securities available for sale | 5,059,000 | 5,674,000 | 5,697,000 | 6,028,000 |
| Securities held to maturity | 4,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,762,000 | 28,069,000 | 28,258,000 | 27,798,000 |
| Interest-bearing deposits | 27,640,000 | 27,842,000 | 27,984,000 | 27,412,000 |
| Noninterest-bearing deposits | 122,000 | 227,000 | 274,000 | 386,000 |
| Equity capital | 3,795,000 | 3,861,000 | 3,913,000 | 3,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 877,000 | 1,321,000 | 1,734,000 |
| Interest expense | 99,000 | 193,000 | 287,000 | 379,000 |
| Net interest income | 345,000 | 684,000 | 1,034,000 | 1,355,000 |
| Noninterest income | 0 | 20,000 | 1,000 | 0 |
| Noninterest expense | 183,000 | 355,000 | 531,000 | 724,000 |
| Provision for loan losses | 72,000 | 114,000 | 146,000 | 186,000 |
| Pretax income | 90,000 | 235,000 | 358,000 | 445,000 |
| Income tax | 40,000 | 97,000 | 147,000 | 180,000 |
| Net income | 50,000 | 138,000 | 211,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,687,000 | 3,775,000 | 3,848,000 | 3,903,000 |
| Total capital | 3,907,000 | 3,993,000 | 4,065,000 | 4,117,000 |
| Risk-weighted assets | 17,168,000 | 16,978,000 | 16,849,000 | 16,574,000 |
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